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When your insurance advisor/agent recommends a certain insurance product for you, nine times out of ten, he/she is going to extol the virtues of the product what covers the product offers, the advantages of the buying the product, and so on.


That is only half the story told, actually.


What YOU need to find and equip yourself with are the exclusions in the life insurance policy. This is probably the most critical assessment of the policy's suitability where you are concerned.

Make sure that you go through the exclusions mentioned in the riders as well. They could well be different from the ones mentioned in your basic insurance plan.

Term Insurance: Exclusions

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Endowment: Exclusions

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